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Legal

## English (Business Account)
_Business Accounts are now available in limited jurisdiction(s) only._
- [Business Terms of Service and Risk Disclosures](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Business_Account_Terms_of_Service_and_Risk_Disclosures_7_12_2022_5ebd444dc2.pdf?updated_at=2022-12-06T07:51:09.536Z)
- [Business Terms of Service and Risk Disclosures (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Business_Account_Terms_of_Service_and_Risk_Disclosures_1_11_2022_2617505953.pdf?updated_at=2022-11-10T07:25:15.799Z)
- [List of high-risk industries](https://lightyear-cms.s3.eu-central-1.amazonaws.com/List_of_high_risk_industries_21_11_2022_a96af05852.pdf?updated_at=2022-11-21T10:30:43.335Z)
- [LEI Registration Terms](https://lightyear-cms.s3.eu-central-1.amazonaws.com/LEI_Registration_Terms_24_01_2023_docx_83a863cf70.pdf?updated_at=2023-01-24T14:31:17.822Z)

## English

- [Pre-contractual Information and Important Declarations (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_41548ad5f8.pdf)
- [Terms of Service (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_EN_6af7cad27a.pdf?updated_at=2022-12-06T08:48:37.336Z)
- [Terms of Service (EN) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_EN_22_08_2022_a1d4e475cd.pdf)
- [Risk Disclosure (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosure_7_12_2022_EN_b645e50c17.pdf?updated_at=2022-12-06T08:48:36.839Z)
- [Order Handling and Best Execution Policy (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_EN_b0ff5fc14c.pdf?updated_at=2022-12-06T08:48:36.841Z)
- [Complaints Policy (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Complaints_Policy_8_12_2022_EN_3be5449ae4.pdf?updated_at=2022-12-08T08:39:31.277Z)
- [Conflicts of Interest Policy (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Public_Conflicts_of_Interest_Policy_0e7fcfe2b6.pdf)
- [Target market matrix (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Target_Market_matrix_27_06_2022_8fc55db3ec.pdf)
- [Privacy Policy (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Privacy_Policy_Lightyear_Europe_AS_10_10_2022_96c12ad819.pdf?updated_at=2022-11-04T14:25:44.776Z)
- [Cookie Policy (EN)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Cookie_Policy_of_Lightyear_Europe_AS_2_11_2022_e8264cc629.pdf?updated_at=2022-11-04T14:25:44.815Z)
- [List of Execution Venues and Brokers of Lightyear Europe AS](https://lightyear-cms.s3.eu-central-1.amazonaws.com/List_of_Execution_Venues_and_Brokers_docx_67c5564d95.pdf?updated_at=2022-09-20T09:29:47.179Z)



## German

- [Pre-contractual Information and Important Declarations (DE)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_DE_6291057bc4.pdf)
- [Terms of Service (DE)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_DE_3a97352714.pdf?updated_at=2022-12-06T08:49:51.159Z)
- [Terms of Service (DE) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_GER_22_08_2022_9fb785f406.pdf)
- [Risk Disclosure (DE)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_DE_fa86a21f8b.pdf?updated_at=2022-12-06T08:49:50.832Z)
- [Order Handling and Best Execution Policy (DE)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_DE_c05a4e602f.pdf?updated_at=2022-12-06T08:49:50.943Z)

## French

- [Pre-contractual Information and Important Declarations (FR)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_FR_083259e01b.pdf)
- [Terms of Service (FR)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_FR_ab5dbc2ab2.pdf?updated_at=2022-12-06T08:49:24.369Z)
- [Terms of Service (FR) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_FR_22_08_2022_a5a3b87dfc.pdf)
- [Risk Disclosure (FR)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosure_7_12_2022_FR_376902ab94.pdf?updated_at=2022-12-06T08:49:24.132Z)
- [Order Handling and Best Execution Policy (FR)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_FR_980bf2d3d6.pdf?updated_at=2022-12-06T08:49:24.230Z)

## Greek

- [Pre-contractual Information and Important Declarations (EL)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_GR_bd8cee09b0.pdf)
- [Terms of Service (EL)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_EL_edce8d6995.pdf?updated_at=2022-12-06T08:50:04.917Z)
- [Terms of Service (EL) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_GR_22_08_2022_1a0a886bb7.pdf)
- [Risk Disclosure (EL)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosure_7_12_2022_EL_a990ecd572.pdf?updated_at=2022-12-06T08:50:04.440Z)
- [Order Handling and Best Execution Policy (EL)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_EL_035d6f4bda.pdf?updated_at=2022-12-06T08:50:04.733Z)

## Finnish

- [Pre-contractual Information and Important Declarations (FI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_FI_fd1a6b9cbc.pdf)
- [Terms of Service (FI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_FI_f08a146815.pdf?updated_at=2022-12-06T08:49:01.561Z)
- [Terms of Service (FI) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_FI_22_08_2022_f0977b14d2.pdf)
- [Risk Disclosure (FI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_FI_150f93bc51.pdf?updated_at=2022-12-06T08:49:01.344Z)
- [Order Handling and Best Execution Policy (FI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_FI_a9c6894561.pdf?updated_at=2022-12-06T08:49:01.345Z)

## Italian

- [Pre-contractual Information and Important Declarations (IT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_IT_3ee415131b.pdf)
- [Terms of Service (IT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_IT_3cf94f485b.pdf?updated_at=2022-12-06T08:50:44.704Z)
- [Terms of Service (IT) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_IT_22_08_2022_fc72f7cf9e.pdf)
- [Risk Disclosure (IT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_IT_d93adaf6ea.pdf?updated_at=2022-12-06T08:50:44.534Z)
- [Order Handling and Best Execution Policy (IT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_IT_645f9a3de1.pdf?updated_at=2022-12-06T08:50:44.536Z)
- [Complaints Policy (IT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Complaints_Policy_8_12_2022_IT_3eed2b3d13.pdf?updated_at=2022-12-08T08:39:31.282Z)

## Lithuanian

- [Pre-contractual Information and Important Declarations (LT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_LT_450be9a086.pdf)
- [Terms of Service (LT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_LT_cfa7489181.pdf?updated_at=2022-12-06T08:50:57.783Z)
- [Terms of Service (LT) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_LT_22_08_2022_338ac46507.pdf)
- [Risk Disclosure (LT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_LT_c6a23b8a63.pdf?updated_at=2022-12-06T08:50:57.253Z)
- [Order Handling and Best Execution Policy (LT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_LT_ff11eaeb69.pdf?updated_at=2022-12-06T08:50:57.879Z)
- [Complaints Policy (LT)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Complaints_Policy_8_12_2022_LT_21d2eea3a4.pdf?updated_at=2022-12-08T08:39:31.278Z)

## Spanish

- [Pre-contractual Information and Important Declarations (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_ES_9ca94408bd.pdf)
- [Terms of Service (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_ES_edb9085768.pdf?updated_at=2022-12-06T08:51:32.141Z)
- [Terms of Service (ES) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_ES_22_08_2022_5bbc385444.pdf)
- [Risk Disclosure (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_ES_b7b32ccd33.pdf?updated_at=2022-12-06T08:51:31.541Z)
- [Order Handling and Best Execution Policy (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_ES_eddad5c12d.pdf?updated_at=2022-12-06T08:51:31.851Z)
- [Complaints Policy (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Complaints_Policy_8_12_2022_ES_b5ee8f36de.pdf?updated_at=2022-12-08T08:39:31.279Z)
- [Conflict of Interest Policy (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Public_Conflicts_of_Interest_Policy_ES_76d76e3391.pdf)
- [Privacy Policy (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Privacy_Policy_Lightyear_Europe_AS_10_10_2022_ES_8c67eefdae.pdf?updated_at=2022-11-30T14:36:21.819Z)
- [Cookie Policy (ES)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Cookie_Policy_of_Lightyear_Europe_AS_2_11_2022_ES_2aaae2c2d5.pdf?updated_at=2022-11-30T14:36:04.702Z)

## Slovak

- [Pre-contractual Information and Important Declarations (SK)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_SK_2a0c7b1d73.pdf)
- [Terms of Service (SK)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_SK_632495806a.pdf?updated_at=2022-12-06T08:51:07.882Z)
- [Terms of Service (SK) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_SK_22_08_2022_a9ecfb0d20.pdf)
- [Risk Disclosure (SK)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_SK_1f3d05a9ae.pdf?updated_at=2022-12-06T08:51:07.336Z)
- [Order Handling and Best Execution Policy (SK)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_SK_e26da17c99.pdf?updated_at=2022-12-06T08:51:07.545Z)

## Slovene

- [Pre-contractual Information and Important Declarations (SI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Pre_Contractual_Information_and_Declarations_27_06_2022_SL_1ee37d777f.pdf)
- [Terms of Service (SI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Terms_of_Service_7_12_2022_SI_5189695d5f.pdf?updated_at=2022-12-06T08:51:22.156Z)
- [Terms of Service (SI) (before 7.12.2022)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Terms_of_Service_SL_22_08_2022_126f13776a.pdf)
- [Risk Disclosure (SI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Risk_Disclosures_7_12_2022_SI_8658c04500.pdf?updated_at=2022-12-06T08:51:21.133Z)
- [Order Handling and Best Execution Policy (SI)](https://lightyear-cms.s3.eu-central-1.amazonaws.com/Lightyear_Europe_AS_Order_Handling_and_Best_Execution_Policy_7_12_2022_SI_7b995b523d.pdf?updated_at=2022-12-06T08:51:21.538Z)


You scrolled so far! Amazing!

Looks very professional

0 fees for transactions. I hope it remains like this forever

Excellent platform

Intuitiivne

Hello! We're truly sorry that you had a bad experience with us. We will get in touch with you directly.

I recently opened an account with them and I was asked first to provide another document as proof-of-address instead of my Wise Bank Statement.
I shared another proof of address but I received suddenly an email that they have closed my account and they cannot provide much details. But they provided some broad reasons including "we are given false/misleading information".

It's not the type of customer treatment we expect from a startup company. They claimed since we are a regulated company we're limited in what we can tell you about this decision. They could ask for further proofs or let me know what they've found wrong before make such a quick judgement. Alternatively, they could refer to the regulations that forces them to not reveal the logic behind their unprofessional decision.

Account closure without any specific explanation

Amazing app and user experience

Okay

Excellant app to invest with, very clean look and no shady hidden fees like some other platforms have.

Excellant app to invest with

Good and easy to use investment app.
Low fees, good selection of shares and funds.
Allows fractional shares, but not on funds (will update to 5 stars when fractional fund shares become available).
Has some interesting views, filters and other features.

Good and easy to use investment app.

General opening bonus and very easy to use app.

A very good investment tool

The Smoothness of Aquiring Shares with this app is Great, the information on the many stocks and companies is S - Tier and the update feature on price alerts could be better But on the whole a very good service

The Smoothness of Aquiring Shares with…

Superb ux

Really easy to use even for a dumbass like me🙂

Go Lightyear🤘

Hey Aline! Happy to hear you're enjoying your Lightyear experience. We look forward to welcoming your mum here too 💙

Best app for investments in Europe. Super user friendly, even my mom could use it. Definitely moving my investments from Revolut to Lightyear.

Best app for investments in Europe

Qiqly and tranparent

Thrilled to hear you're enjoying the multi-currency account. Happy lightyearing! 🚀

Been using Lightyear for a few months now, and in all honesty, it’s sooo much better than Freetrade. Definitely thanks to their multi-currency offer. I can now top-up and withdraw in GBP and EUR 🙌

Great for everyone, even better for expats

Thank you for your kind words, Henry! And as always – feel free to reach out to us should you need any help or have more feedback 💫

Had some issues transferring over my shares but the support team was incredibly responsive and helpful, so all issues were solved in no time.

Amazing support

App very easy to use. Good fx exchange rates.

App very easy to use

Really easy to use, no big fees, options of fractional share purchase available. Nice reporting information availability. All necessary in one place.

Really easy to use

Easy to follow and professional at all times.

Easy to follow and professional at all…

Lightyear offers one of the best investing platforms for beginners like myself. It is an amazing user-friendly platform. However, due to the increase in fx fees, it no longer makes it the cheapest platform to invest with, even when taking into account spreads other platforms may charge.

Legal documents

English (Business Account)

English

German

French

Greek

Finnish

Italian

Lithuanian

Spanish

Slovak

Slovene

Download the app and start investing now

Lightyear

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Region

European / English

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